You will need to find a therapist who accepts your parent’s plan, if you want to use that. As a homeless person, you will also likely qualify for low-cost or free care at public clinics. You may also qualify for Medicaid, depending upon what state you live in. Check the Kaiser Family Foundation’s list of Medicaid expansion states. You can have Medicaid and your parent’s plan at the same time.

The homeless shelter will have someone on staff who can help you apply for Medicaid. They may even be able to help you find a therapist.

The good news is that there is support for you. Best wishes for your future.